ComplaintsforCNAC, CarNow Acceptance Company

• Initial Complaint

  10/17/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Bought a car from byrider, I didn't get an updated buyers guide like I requested and I also didn't get a vehicle history report at the time of sale, the odometer doesn't match what was on my paperwork at time of sale, also it was reported salvage the title office told byrider to get the title updated, the manager said no, andstate farm reported it salvage it had engine damage a few months before I bought and still till this day has engine damage thr attorney general isn't helping . I need real help

  Business response

  10/21/2024

  In the case of Ms. ******* *****, complaint number: ********, we have investigated the matter with the full cooperation of the company-owned Byrider. Ms. ***** filed a complaint regarding contract paperwork not being accurate and engine damage. 
  Ms. ***** purchased a 2014 Chevrolet Captiva on October 13, 2023 from our dealership on ************* in ******, *****  She also purchased an optional service agreement effective for 30 months or ****** miles, whichever occurs first. Ms. ***** has put ****** miles on her vehicle.  
  Ms. ***** claims she did not receive an updated copy of the buyers guide.  Ms. ***** was provided with a copy of her buyers guide in the packet of paperwork that included all her contract documents.  Byrider is more than willing to provide her with another copy should she need one.  
  Ms. ***** also claims the mileage on her odometer paperwork does not match the selling mileage on her vehicle at the time of purchase.  Our records show that she signed a Federal Odometer with the selling miles of 108,717.  Part of our sales process is to verify the mileage after the test drive and right before closing documents are printed.  
  Ms. ***** also claims she did not receive the vehicle history report at the time of sale and that the vehicle was reported as a salvage vehicle.  To ensure the accuracy of the automotive title, Byrider relies on Autocheck, a trustworthy third-party vehicle history report service. Upon purchase, customers sign the Vehicle History Reports Acknowledgement and Agreement, which releases Byrider from any accountability for information provided in third-party automotive history reports. Moreover, before being displayed on the sales floor, each Byrider vehicle undergoes a thorough inspection and reconditioning process to guarantee its optimal working condition.
  Our service records indicate that Ms. ***** has only had her vehicle serviced twice at our location on 10/27/23 for a Coolant Fan and 8/20/24 for a Fuel Pump.   At all times, Byrider has honored the vehicle service contract and Ms. ***** has had no out of pocket expenses. If Ms. ***** is experiencing mechanical issues with her engine, she should contact the service department at *************. 
  
  

  Customer response

  10/21/2024

  Better Business Bureau:
  

  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]
  Regards,
  

  ******* *****

  That is not true I've been in there several times about it, it literally has my concerns on my receipts and what miles the car was in when I brought also you can see me on the camera at your location on all those  dates, I have video proof of my vehicle. ********* gave me a buyback offer because  safe auto insurance reported the vehicle salvage in 2016, even the title office told **** I was right and the title was reported, safe auto verified they did report it, I also got a buyback offer from car fax. My buyers guide is checked in the box that I have a limited warranty but on my service contract it says above my signature that the service contract voids the dealer warranty,  so it shouldn't be checked, especially because  the service guys told me I  had a 30 day limited warranty and went off of that, the fact that you just posted and lied that ive only went in there twice I have all my receipts, it's hurtful to know that I made all my payments on time and kept up on the maintenance . And this is how I'm treated. You posted on several vin check sites that my odometer was ****** when you sold it to me that was reported to NMVTIS CarFax and auto check. You bought my car from **** a salvage Auction theyctomd me the vehicle had engine damage when Byrider bought it I have proof of that as well . ********** is will in to testify oncmy behalf.  Also the fact that your saying I should have my paperwork when you gave me someone else's with their social security number and address  on it and someone could possibly have mine . It took you guys 3 weeks to find my paperwork . This isn't new ive been complaining since October 2023. Their excuse was always " We got bought out, so we don't know about that" . ***** ***** who works at **** told me on their recorded like she knew the car was rebuilt but didn't think it needed to have a new title" . But it does. I have witnesses, phone records, pictures, videos. I deserve what i am owed ive paid on that car for a year, even put my tax money on it and traded in my vehicle that's never been in any accidents.  And my **** ***** hasn't went down, you charged me an outrageous amount for insurance and I had insurance when I came there with state farm for the last 7 years.  I am a really good customer to have. It's not right what you do to people . 

   

  
  

  Business response

  10/25/2024

  We stand by our original response, with the exception of the amount of times Ms. ***** has been in the service department.  The ******, **** location changed ownership and we were unable to see all the service visits associated with her account.  We do apologize for the confusion; however, it does not change the outcome. Byrider sold the vehicle to Ms. ***** with a clean title.  The auto check title  report provided at purchase shows no salvage or branded title. 
  Ms. ***** was given a Buyers Guide with both the limited warranty and optional service contract boxes marked.  Every vehicle sold comes with a 1 month/1000 mile warranty and the option to purchase a vehicle service contract for 30 months or ****** miles, whichever comes first. 
  If Ms. ***** is experiencing mechanical issues with her engine, she should contact the service department at Best Extended at ************* or the Dayton Byrider at  *************.
  
  

  Customer response

  10/25/2024

  The fact is I actually  bought a service contract for ***** dollars  and on my service contract it says that if you buy it it voids out the warranty, and also I have a paper stating what should be covered, all of my oil changes  and everything should be covered and you didn't honor that. I have my paperwork also I came in on 10-25-2023   about the same issue as today and it's still not fixed, you keep trying to say thr title is clean but it shouldn't be it has rebuilt parts it's been in several car accidents, your dealership watched me cry and drive off with my kids last Thursday and watched as my car kept shutting down and laughed at me and told me they can get me an **** as if it was some joke, you have humiliated me . You are not getting this car and I am not making another payment this is my car now until I get a refund,  for every dollar I spent, nobody is going to take from me and my children, I know my rights, also you didn't accurately  report anything to the credit bureaus  so it will be disputed for not being accurate and I've paid extra money on the bill and it hasn't wentdown at all and it's not even the accurate vehicle price, you will not get another dollar out of me . I am not the one to play with especially when it comes to my lively hood, I'm a good person . Nobody is going to treat me this way . 

  Customer response

  10/30/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]

  The fact is I actually  bought a service contract for ***** dollars  and on my service contract it says that if you buy it it voids out the warranty, and also I have a paper stating what should be covered, all of my oil changes  and everything should be covered and you didn't honor that. I have my paperwork also I came in on 10-25-2023   about the same issue as today and it's still not fixed, you keep trying to say thr title is clean but it shouldn't be it has rebuilt parts it's been in several car accidents, your dealership watched me cry and drive off with my kids last Thursday and watched as my car kept shutting down and laughed at me and told me they can get me an **** as if it was some joke, you have humiliated me . You are not getting this car and I am not making another payment this is my car now until I get a refund,  for every dollar I spent, nobody is going to take from me and my children, I know my rights, also you didn't accurately  report anything to the credit bureaus  so it will be disputed for not being accurate and I've paid extra money on the bill and it hasn't wentdown at all and it's not even the accurate vehicle price, you will not get another dollar out of me . I am not the one to play with especially when it comes to my lively hood, I'm a good person . Nobody is going to treat me this way . 
  
  Regards,
  
  ******* *****

  
  

  Business response

  10/30/2024

  We are sorry we fell short of Ms. ***** expectations. If Ms ***** is experiencing mechanical issues with her engine, she should contact the service department at Best Extended at ************* or the Dayton Byrider at  *************.
  

  Customer response

  11/01/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  ******* *****

  I'm done talking its been a year I want all of my money back or no car, I'm not taking it nowhere, it's been in that shop so many  times and they kept telling me it was fine that's a lie, thry seen the perking and etc snd still hasn't fixed it I don't trust you guys anymore after you watched me drive off the lot crying with me children, while it kept shutting off, they laughed at me at byrider and told me the best they could do is call me an ***** Are you kidding me? The disrespect, this is done, I want a dull refund or no car . No you can't repo it I know what I'm owed . 

  
  

• Initial Complaint

  10/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had an outstanding debt, car was totaled and left with a remaining balance after I was told I had gap coverage on the vehicle through this company. I have attempted many times this year to contact this company in effort to rectify this issue. This company has been closed and I have NO Way of contacting them. despite my best efforts, this debt needs to be removed from my credit immediately. according to Section 623 of the Fair Credit Reporting Act (FCRA) they must remove this from my credit immediately also according to the **** Ia charged-off account reported by ****. Under 15 U.S.C. 1681 and 15 U.S.C. 1692, I have the right to ensure the accuracy of the information reported. I never received the 1099-C cancellation of debt form. I request that it must be removed from my credit report immediately.Thank you for your prompt attention to this matter.

  Business response

  10/17/2024

  In the case of Mr. ****** *******, complaint number ********, we have investigated this matter with the full cooperation of the company-owned CNAC.  Mr. ****** is disputing the balance owed on the account and claims he had GAP coverage through CNAC.

  Mr. ******* purchased a 2008 Chevrolet Malibu on March 26, 2018 from the company-owned Byrider on ******** ** in ********, ***  
  On January 13, 2020, CNAC was notified that the vehicle was totaled in an accident on January 3, 2020.  ************ check was issued from ********************* and applied to the account on January 31, 2020, leaving a deficiency balance of $8,744.08. The account was charged off on April 27, 2020. Since Mr. ******* is still responsible for the balance of the account, a ***** would not be applicable. A 1099C would only apply if there was a cancellation of debt.

  If Ms. ******* would like to discuss a settlement offer, he can reach out to CNAC at *************.
  

  Byrider does not provide ************** Instead, they offer ******************************** which exclusively covers the vehicle itself. It's important to note that ******************************* is very different from **************
  

  Upon receipt of this complaint, the credit bureau disputes team investigated this account and determined it to be valid and reporting accurately. 
  At CNAC we strive to achieve the highest level of satisfaction with every customer. While we sympathize with Mr. ******** predicament, CNAC is required by the Fair Credit Reporting Act, as a data furnisher, to provide accurate credit reporting. We cannot adhere to his request to have this removed from his credit report.
  

  
  

• Initial Complaint

  09/26/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  This place is extremely GHETTO , the reps are so unprofessional and unhinged! I financed a LEMON Through Byrider and from day 1 that car gave me nothing but issues! I paid for all cost out of pocket but the last problem I couldnt afford! The transmission went out not even two years of financing the vehicle ! I had it towed to a nearby place and I contacted BYRIDER to explain that the car was not moving , they were supposed to send someone but never did I kept calling and nobody showed up up until 2 weeks later they came and took possession of the car and processed a repo after Ive made all payments on time and they still wanted me to continue although the car was in their possession

  Business response

  09/30/2024

  In the case of ******* *******, complaint number ********, we have investigated this matter with the full cooperation of the company-owned Byrider.  Ms. ******* is aggrieved by the mechanical difficulties she is experiencing with the vehicle.  
  Ms. ******* purchased a 2015 ***** Malibu on May 16, 2022 from the company-owned Byrider location on ******** in ************, **. The vehicle is covered by a 36-month, ****** mile service contract, whichever occurs first.  At the time of purchase the mileage on the vehicle was ******* miles.
  While we understand that dealing with any service issue may be frustrating, a pre-owned vehicle, like any other mechanical device with moving parts, will require routine maintenance and periodic repairs to ensure its continued use.
  On June 21, 2024, Ms. ******* reached out to Best Extended claiming the vehicle was inoperable and that the transmission needed to be replaced.  Best Extended notified Ms. ******* that she had surpassed the mileage limit of her vehicle service contract (******* miles) and was thus no longer eligible for coverage. They explained to Ms. ******* that she would be responsible for the transmission replacement cost.   
  Ms ******* spoke to her **** account manager who reiterated that she was out of coverage and would be responsible for the repairs.  Ms. ******* defaulted on her retail installment contract and subsequently, her vehicle was repossessed on July 31, 2024.  All required documentation was sent to the address on file.  ************** would like to discuss her account, she can contact her **** account manager at *************. 
  Byrider strives to achieve the satisfaction of every customer. We apologize for any inconvenience the issues have caused, and we value Ms. ******* as a customer.  We look forward to our continued relationship.
  
  

  Customer response

  09/30/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  ******* *******
  

• Initial Complaint

  09/21/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Purchase the car through **** made my payments on time for over 2 years to charge the 22% interest rate in $1,000 over the car's value even though that's ridiculous and I signed into it that's not my problem my problem is they are not reporting to the credit bureau on time and it is logging as late payments negatively affecting my credit and causing me financial hardship contacted the company try to remedy the situation they did not seem too interested in did not do nothing about it

  Business response

  09/26/2024

  Mr. ****** ***** filed a complaint number ******** about the accuracy of their credit bureau reporting. Specifically, Mr. ***** disputes the accuracy of their **** account reported to the credit bureaus.
  
  Upon receiving the complaint, CNAC conducted a thorough investigation of the tradeline and concluded that it was being reported accurately.
  
  Mr. ***** purchased a 2015 Jeep Patriot on June 30, 2022, from our Byrider location on ************** in ******, *********  The purchase was secured by a retail installment contract.
  
  As a data furnisher, CNAC is required by the Fair Credit Reporting Act to provide accurate credit reporting. 

• Initial Complaint

  09/08/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I financed a vehicle through cnac and shortly after the vehicle was totaled. I was in a coma fr 3 days and in the hospital fr 2 months so I couldn't contact cnac but my insurance company told me the vehicle was totaled and the balance was paid. I never received a letter or a phone call from cnac stating otherwise. Now that I am trying to finance another vehicle I am unable to because cnac reported that the vehicle was repossessed and I still owe $4500. I made several attempts to contact the company to explain but was hung up on 3 times when they were given my name and the 4th time was told there was no record of me in their system. I just want it reported that the vehicle was totaled and insurance paid the loan off

  Business response

  09/09/2024

  The Byrider dealership and CNAC located in ***********************, ** are no longer affiliated with Byrider Franchising. It is now an independent entity and operated by *************** For inquiries, please contact ************.

  Customer response

  09/09/2024

  I have tried to ?? them however they continue to blow me off telling me they are no longer a part of byrider. My complaint is not with byrider it's with cnac and the fact they are s******* around with my life and my credit report 

  Customer response

  09/09/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  The issue I have is not with byrider it is with cnac and that is not the same number I have bn dealing with that hung up on me when they learned my name or told me my file was lost after I called fr the fifth time.

  The number that is sc...  me over is the same number on my credit report and it is ************

  They played the insurance company, they played me and now they are playing you. I will just go to the attorney general office and file my complaint there because no one seems to care that they got their money and are now trying to get another $4500 from me. My life was ruined enough in the accident and loosing my leg. I am tired of cnac thinking they can get away with this and ruin my life some more. I am unable to keep pertinent Drs appointments because of what they falsely listed on my credit report, because no one will finance me. 
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  ***************************

  
  

• Initial Complaint

  09/02/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I bought my 2013 *** soul from Jd Byrider on August 21st 2022. I made every payment on my car never missed one. I had my car taken in for repairs in July 2024. I notice after I got repairs my check engine light has been on non stop. Found out that I have a bad catalytic converter. I was told from another company that this converter been bad since I had this car which blew my mind. Now Im stuck with a huge payment to get this catalytic converter fixed and I havent had my car that long.

  Customer response

  09/03/2024

  No the car does not have a warranty, when I got the car they told me a warranty did not come with the car.

  Business response

  09/05/2024

  Regarding complaint number ******** for *********************************, we have thoroughly investigated the matter with the cooperation of the franchise-owned Byrider. ****************** is upset with mechanical issues.

  ****************** purchased a 2013 Kia **** on August 24, 2022 from the Byrider location on ****************, **. The vehicle is covered by a 48-month, 48,000-mile vehicle service contract, whichever comes first.

  While we understand that dealing with any service issue may be frustrating, a pre-owned vehicle, like any other mechanical device with moving parts, will require routine maintenance and periodic repairs to ensure its continued use.

  Service records show ****************** has not had her vehicle to our service department since the time of purchase. Upon receipt of this complaint, Byrider promptly attempted to contact ****************** to address the concern but was unsuccessful. ******************** vehicle is covered by a vehicle service contract. Byrider stands behind this contract and will honor all eligible repairs. ****************** is encouraged to call ************** for further assistance.

  Byrider strives to achieve the satisfaction of every customer. We apologize for any inconvenience and value ****************** as a customer. We look forward to our continued relationship.
  

  
  

• Initial Complaint

  08/17/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  CNAC Sold me a vehicle that has more problems than not. Sensors going out, Slowly dying, windows wont stay up, big crack in the windshield, low oil, trunk doesnt auto open and the tires need to be replaced. The issue is they are stating that I need to leave my vehicle there for 9 hours. (Which is not possible due to the fact that I have a full time job working from 830am-6P. If I have to leave my car for over 24 hours that would mean I have to pay for Ubers to and from work and the dealership. I should not have to put my car in a repair shop this early in. ( they dont service on weekends so we are at a stand still) I either want a functional vehicle that I dont have to do anything with repairs wise or I want to give the car back. There is no reason I should have to repair a vehicle I just got. ( Im not willing to drop off the car for a day due to the fact that I do not live ANYWHERE near them and it would cost ($200) to and from 3 times. I dont want this car if I have to first drop it at the dealership then to ***** Until this is addressed I request they either offer a trade option or allow me to give it back so I can go get a car that wont cost me more than its worth

  Business response

  08/21/2024

  In the case of Mr. **************************** complaint number: ********, we have investigated this matter with the full cooperation of the franchise-owned Byrider. ************** is upset with the mechanical issues that he has experienced since purchase.
  
  ************** purchased a 2010 **** Fusion on July 25, 2024, from the franchise-owned Byrider location on ************ in ***********, **. The vehicle is covered by a 24 month or ****** mile limited warranty, whichever occurs first.
  
  While we understand that dealing with any service issue may be frustrating, a pre-owned vehicle, like any other mechanical device with moving parts, will require routine maintenance and periodic repairs to ensure its continued use.
  
  ************** filed a previous complaint and at the time we had a conversation with him to review all his concerns.  ************** agreed to drop the vehicle at our facility when it was convenient for him and we would have the windshield replaced as well as address all his mechanical issues.  Byrider was more than willing to work with **************; however, he never followed through with his commitment to bring the vehicle in for diagnostics.  
  
  ************** has since defaulted on his contractual payments causing the finance company to repossess the vehicle.  Byrider has agreed to accept the vehicle back. All required repossession documents including a notice of proposal to retain the collateral in full satisfaction of his obligation were sent to the address on file on August 19, 2024..
  
  At CNAC, we strive to achieve the highest level of satisfaction with every customer.  While we sympathize with **************** predicament, we cannot adhere to his request to refund any money paid on the account.   

• Initial Complaint

  08/12/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I bought a vehicle from them in December 2023 the car was disabled 5 times in 6 months I never missed a payment never late they never honored the extended warranty I was paying for now they are putting things on my credit report since I gave them their lemon I want monies I've paid them back

  Business response

  08/09/2024

  In the case of *****************************, Complaint Number: ********, we have investigated this matter with the franchise-owned Byrider/CNAC. **************** is dissatisfied with the mechanical issues she has experienced with her vehicle.
  
  **************** purchased a 2014 Dodge Journey on December 15, 2023 from the franchised-owned Byrider on *****************************************. She also purchased the optional 36-month, ****** mile service contract, whichever occurs first.
  
  While we understand that dealing with any service issue may be frustrating, a pre-owned vehicle, like any other mechanical device with moving parts, will require routine maintenance and periodic repairs to ensure its continued use.Account records show **************** drove the vehicle ***** miles since purchase.
  
  Our records indicate that ******************** vehicle was serviced two times.  On February 23, 2024, *************** had a check engine light on.  Byrider determined it was a crankshaft position sensor and the wiring pigtail.  **************** paid a $25 (plus tax) deductible and Byrider covered the remaining balance.  On March 17, 2024 **************** called and stated the vehicle was leaking oil.  Byrider had the vehicle towed in and diagnosed the vehicle with needing an oil pan and an oil sending unit. All repairs were completed at no cost to ****************. Byrider processed all claims under the service agreement.
  
  *************** voluntarily surrendered her vehicle on June 20, 2024 and signed the voluntary surrender agreement. Byrider agreed to take the vehicle back in full satisfaction of her obligation and sent **************** all required repossession documentation and notice of our proposal to retain the collateral in full satisfaction of her obligation on June 26, 2024.  Ms. ******* account will continue to report the voluntary surrender with no balance owed.
  
  At CNAC, we strive to achieve the highest level of satisfaction with every customer.  While we sympathize with ******************** predicament, CNAC is required by the Fair Credit Reporting Act, as a data furnisher, to provide accurate credit reporting. We cannot adhere to her request to refund any money paid on the account.  

  Customer response

  08/13/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]

  I am willing to resolve this complaint fully cnac can look at my payment records I was a good customer I was never late I never missed a payment while I understand their response to no refund I am proposing they furnish me with a reliable vehicle and I am ready and willing to make payments so long as the is checked out throughly before I take possession 

   

   Regards,

  
  *************************

  
  

  Business response

  08/15/2024

  We stand by our original response. ******************** request for a different vehicle cannot be honored as Byrider had already accepted the voluntary surrender of the vehicle, resulting in a charge off with no outstanding balance.

• Initial Complaint

  08/12/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I returned the car to ****Byrider ************************************* . The engine blow up on me I tried to trade it 4 months prior but they would not allow it. They sold the car for $500 and and filed it with the *** but still want to pay something they sold for parts. They over charged me more that what the car was worth. PRICE GOUGING THIS DEALERSHIP IS ******** FOR TAKING ADVANTAGE OF SENIORS. As I am of those seniors. *** had a World wide National recall on the year make and model of my vehicle.Account #************************ *** **** Kindjn2a22f7806844

  Business response

  08/20/2024

  In the case of *********************, Complaint Number: ********, we have investigated this matter with the full cooperation of the franchise-owned CNAC.  ************** is disputing the accuracy of the reporting of her CNAC account to the credit bureaus. 
  ************** purchased a 2015 Kia **** on July 10, 2021 from our Byrider location on ********** in ************, *** 
  ************** was advised on November 22, 2023 that the vehicle needed a catalytic converter replaced. ************** declined the repairs and requested the license plate be removed from the vehicle and returned to her. ************** stated she is voluntarily surrendering the vehicle. The vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed of $9,129. ************** was sent all the required repossession documentation on December 4, 2023. The account was charged off on December 27, 2023.
  On April 16, 2024 and August 9, 2024, ************** contacted CNAC to discuss her account. Both times she was offered a settlement of $4000, which she declined. 
  The tradelines have been investigated and are reporting the account accurately. 
  At CNAC, we strive to achieve the highest level of satisfaction with every customer.  While we sympathize with **************** predicament, CNAC is required by the Fair Credit Reporting Act, as a data furnisher, to provide accurate credit reporting. We cannot adhere to her request to have this removed from her credit report.  
  
  

• Initial Complaint

  08/03/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  on November 29th of 2023 I paid off my vehcile with CNAC via phone. The vehicle in question is a White 2012 KIA ***** VIN:***************** Upon final pay off I was given no Receipt and was told the company would send the title and Lien release to my PO box which i provided.Fast forward nearly a year now, and after many attempts to contact, i was told three times that my Release letter will be sent in the mail and when I ask to speak to the Lien writer, i am told "He does not take calls".I have had enough of waiting and i am about to go to the business myself and make the 19 hour, ************************************************ my hand directly. If they refuse to do so, i will be forced to pursue legal action.I have transaction receipts through my Bank proving the $7000.00 withdraw, i have proof of date when my credit account with them was closed, and i have proof of multiple attempts to contact where i was both successful, as well as video and audio recorded conversations.

  Business response

  08/12/2024

  In the case of *********************************************, Complaint Number: ********, we have investigated this matter with the full cooperation of the franchise-owned CNAC.   ****************** is dissatisfied by the handling of his account.  
  
  ***************************************** purchased a 2012 Kia **** on August 21, 2021 from our Byrider location on ************** in ********, ***  
  
  Upon receiving the complaint it was determined that the lien was unable to be released electronically with the bmv so it had to be done via mail.  Once this was completed it was returned back to CNAC stating it was undeliverable to the address for ******************.  We spoke to him directly and he stated it needed to be mailed to his PO box.  We advised that we could mail it to that address but ****************** stated that he would come to the location to pick it up personally which he did on August 7, 2024.
  
  At ****, we strive to achieve the highest level of satisfaction with every customer.  We apologize for any inconvenience this situation has caused ******************.   
  
  

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